The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,656
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,014
−HK$1,380/mo
Today · 4.125%
HK$46,394
baseline
▲ 0.50% · 4.625%
HK$49,217
+HK$2,823/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,788/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,567
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,869
−HK$1,322/mo
Today · 4.125%
HK$51,191
baseline
▲ 0.50% · 4.625%
HK$53,889
+HK$2,698/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,382/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,387
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,017
−HK$1,655/mo
Today · 4.125%
HK$55,672
baseline
▲ 0.50% · 4.625%
HK$59,060
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,344/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,280
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,843
−HK$1,586/mo
Today · 4.125%
HK$61,429
baseline
▲ 0.50% · 4.625%
HK$64,667
+HK$3,238/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,858/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$717,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,118
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,020
−HK$1,931/mo
Today · 4.125%
HK$64,951
baseline
▲ 0.50% · 4.625%
HK$68,903
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,902/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,994
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,817
−HK$1,850/mo
Today · 4.125%
HK$71,667
baseline
▲ 0.50% · 4.625%
HK$75,445
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,334/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,581
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,025
−HK$2,484/mo
Today · 4.125%
HK$83,509
baseline
▲ 0.50% · 4.625%
HK$88,590
+HK$5,081/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,018/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,420
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,765
−HK$2,379/mo
Today · 4.125%
HK$92,144
baseline
▲ 0.50% · 4.625%
HK$97,001
+HK$4,857/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,288/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,947 · Scale 2, in force from 26 Feb 2026)